New for 2026Gold & Silver hedge

Asset Allocation Calculator (Equity · Debt · Gold/Silver)

Build a risk-aware portfolio that blends equity, debt, and hard assets. Get target weights, monthly investment split, and simple rebalance actions.

• Option B model blends risk tolerance + horizon
• Dedicated gold/silver sleeve to hedge INR risk
• Rebalance deltas vs your current mix
• Suggested monthly split across assets
• Works for SIPs, lumpsum deployment, or bonus top-ups
• Ready for 2026 tax and currency environment
SIP Calculator•Prepayment vs Invest

What this tool solves

  • • Avoid over-weighting equity when goals are near.
  • • Add 10–20% gold/silver for INR and inflation hedge.
  • • Translate risk tolerance into clear percentages.
  • • Get a simple rebalance checklist in seconds.

Inputs

Blend risk tolerance with horizon and include gold/silver as a currency hedge.

70% Gold / 30% Silver

Enter your present portfolio mix to see rebalance gaps.

Recommended Allocation

Risk score 4 · Profile aggressive growth

Gold + Silver: 12%
equity70%
debt15%
gold8.4%
silver3.6%
international3%
Monthly split (₹20,000)
equity₹14,000
debt₹3,000
gold₹1,680
silver₹720
international₹600

Rebalance Actions

Close gaps vs target weights; positive numbers mean increase allocation.

equityIncrease
Current 50% → Target 70%
+20% needed
debtReduce
Current 30% → Target 15%
-15% needed
goldReduce
Current 10% → Target 8.4%
-1.6% needed
silverReduce
Current 5% → Target 3.6%
-1.4% needed
internationalReduce
Current 5% → Target 3%
-2% needed
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Frequently Asked Questions

Why include gold and silver in my portfolio?

Gold and silver hedge INR depreciation and inflation. When the Rupee weakens, domestic gold/silver prices typically rise, protecting purchasing power.

How does risk tolerance change my allocation?

We blend your risk tolerance with goal horizon. Shorter horizons and conservative profiles tilt to debt and gold/silver; longer horizons and aggressive profiles tilt to equity.

How often should I rebalance?

Check allocations every 6-12 months or after large market moves. Rebalancing trims overweight assets and adds to underweight ones to stay aligned to your plan.

Disclaimer

This is an educational tool using general asset allocation models. Actual returns depend on market conditions and individual circumstances. Consult a SEBI-registered financial advisor for personalized guidance.

Educational tool only. Not investment advice.